The Farmers State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income fell 6.6% from Q1 2026 to Q2 2026, ending at -$1.4M against -$1.3M. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.74% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $10.9M |
| Tier 1 capital | $10.9M |
| Total risk-based capital | — |
| Total equity capital | $9.6M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.08% |
| Tangible equity to tangible assets | 11.08% |
| Equity capital to average assets | 11.13% |
| Internal capital growth rate | 17.63% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $1.2M |
| Retained earnings | $9.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 12.75% | 9.38% | 9.38% |
| Q4 2023 | 12.81% | 10.45% | 10.45% |
| Q1 2024 | 13.33% | 10.26% | 10.26% |
| Q2 2024 | 12.56% | 10.27% | 10.27% |
| Q3 2024 | 13.37% | 12.04% | 12.04% |
| Q4 2024 | 13.42% | 11.29% | 11.29% |
| Q1 2025 | 13.64% | 11.25% | 11.25% |
| Q2 2025 | 12.96% | 10.99% | 10.99% |
| Q3 2025 | 13.22% | 11.94% | 11.94% |
| Q4 2025 | 13.42% | 11.45% | 11.45% |
| Q1 2026 | 12.48% | 10.92% | 10.92% |
| Q2 2026 | 12.74% | 11.08% | 11.08% |
The Farmers State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15258) · FFIEC NIC profile (RSSD 863652)